Internet Bill Payment Service Disclosure

Service Terms and Conditions (Consumer Accounts Only)

Bill payment service may be available on your State Farm Bank® account, and is subject to daily transaction limits.

Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

User Confidentiality – Password and Security

State Farm Bank® identifies users by their unique UserID and Password. State Farm Bank® will attribute to You all Bill Payment transactions initiated with your UserID and Password. You agree not to give or make available your UserID and Password to any unauthorized individuals. You are responsible for all payments You authorize using the Service. If You permit other persons to use the Service or your password or other means to access your account, You are responsible for any transactions they authorize.

If You believe that your UserID and/or Password has been compromised, You must immediately change your Password and notify State Farm Bank® that your Password was compromised. Contact State Farm Bank® immediately at: 877-SF4-BANK (877-734-2265); if You are deaf, hard of hearing, or do not use your voice to communicate, You may contact Us via other relay services.

The following definitions apply to the bill payment service available on your State Farm Bank® Account: Service means the bill payment service offered by STATE FARM BANK® — BILL PAY, through Fidelity National Information Services, Inc.

Agreement means these terms and conditions of the bill payment service. Biller is the person or entity to which You wish a bill payment to be directed or is the person or entity from which You receive electronic bills, as the case may be. Payment Instruction is the information provided by You to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Send On date). Payment Account is the account from which bill payments will be debited. Billing Account is the account from which all Service fees will be automatically debited.

Business Day is every Monday through Friday, excluding Federal Reserve holidays. When making payments, the Send On date is the date your payment will be generated. The Deliver by date is the date payment is received by Your Biller. For your convenience, the Send On date and the Deliver by date are displayed within the Smart Calendar function when making a payment. Due Date is the date reflected on your Biller statement for which the payment is due; it is not the late date or Grace Period. Scheduled Payment is a payment that has been scheduled through the Service but has not begun processing.

The Send Money Online feature allows You to transfer money to another recipient. The funds will be sent to the recipient no later than 1 – 2 business days, depending on the option You select. The funds will be debited from your payment account immediately.

We may refuse to honor bill payment transactions for IRA Money Market accounts, even though the service for these transactions is not restricted by the system.

When scheduling payments, the earliest possible Send On date for each payee will be designated within the application (see the Smart Calendar function). For your convenience, the Smart Calendar function within the Make Payment screen also allows You to see a Deliver by date when scheduling a payment. In order to reduce the possibility of late payment charges You should ensure that the Deliver by date is no later than the actual Due Date reflected on your Biller statement. There is an 8:00 p.m. Central Time business day cutoff time for scheduling payments. There is a 6:00 p.m. Central Time business day cutoff for scheduling Expedited Payments to be delivered overnight for a fee. The Service is not responsible for any late payment charges assessed by your Biller if You fail for any reason to schedule the payment to be received by the Biller prior to the Due Date.

Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

THE FOREGOING SHALL CONSTITUTE STATE FARM BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL STATE FARM BANK® BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE AND/OR THE BILL PAYMENT SERVICE.

By providing the Service with names and account information of Billers to whom You wish to direct payments, You authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives. When the Service receives a Payment Instruction, You authorize the Service to debit your Payment Account and remit funds on your behalf. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to You on behalf of another authorized user of the Service. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by You because of the existence of any one or more of the following circumstances. If:

Through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction.

The payment processing center is not working properly and You know or have been advised by the Service about the malfunction before or at the time You execute the transaction.

You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller.

Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, though You may still be able to request a stop payment.

Payments to Billers outside of the United States or its territories are prohibited through the Service.

Payments to unlawful Internet gambling sites are not permitted using the State Farm Bank® Bill Payment application. State Farm Bank® reserves the right to terminate any payment it suspects violates this rule. Under the Unlawful Internet Gambling Enforcement Act of 2006, payments to unlawful Internet gambling sites are not permitted using State Farm Bank® Bill Payment application. State Farm Bank® reserves the right to terminate any payment it suspects violates this Act.

State Farm Bank® reserves the right to refuse to pay any person or entity to whom You may direct a payment. State Farm Bank® is obligated to notify You promptly if it decides to refuse to pay a person or entity designated by You. This notification is not required if You attempt to pay taxes or make court-ordered payments through State Farm Bank® Bill Payment Service.

Including; State, Local or Federal tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and are scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of You and not of the Service.

This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if You do not receive your statements. In addition, if You elect to activate one of the Service's electronic bill options, You also agree to the following: Information provided to the Biller – The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing You about Service and/or bill information or as is necessary to effect the electronic bill feature. Activation – Upon activation of the electronic bill feature, the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to 60 days, depending on the billing cycle of each Biller. Additionally, your ability to receive a paper copy of your statement(s) in addition to the electronic billing is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data – your activation of the electronic bill feature for a Biller shall be deemed by Us to be your authorization for Us to obtain bill data from the Biller on your behalf. For some Billers, You will be asked to provide Us with your username and password for that Biller. By providing Us with such information, You authorize Us to use the information to obtain your bill data. Notification – The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event You do not receive notification, it is your responsibility to periodically log on to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to 60 days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. The Service may suspend or cancel your right to use the electronic bill feature at any time and for any reason. Non-Delivery of electronic bill(s) – You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly. Accuracy and dispute of electronic bill – The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information We receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly. This Agreement does not alter your liability or obligations between You and your Billers.

EXCLUSIONS OF WARRANTIES. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

If You tell Us within two Business Days after You discover your password or other means to access your account has been lost or stolen, You will not be liable should someone access your account without your permission. If You do not tell Us within two business days after You learn of such loss or theft, and We can prove that We could have prevented the unauthorized use of your password or other means to access your account if You had told Us, You could be liable for as much as $500. If your monthly account statement contains transfers that You did not authorize, You must tell Us at once. If You do not tell Us within 60 days after the statement was sent to You, You may lose any amount transferred without your authorization after the 60 days if We can prove that We could have stopped someone from taking the money had You told Us in time. If a good reason (such as a long trip or a hospital stay) prevented You from telling Us, We may extend the period.

In case of errors or questions about your Electronic Transfers, Contact Us at:

877-SF4-BANK (877-734-2265); if You are deaf, hard of hearing, or do not use your voice to communicate, You may contact Us via 711 or other relay services.

or

Write us at:
State Farm Bank
PO Box 2316
Bloomington, IL 61702-2316

As soon as You can if You think your statement or receipt is wrong or if You need more information about a transfer listed on the statement or receipt. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared.

Tell Us your name and account number (if any).

Describe the error or the transfer You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information.

Tell Us the dollar amount of the suspected error.

If You tell Us orally, We may require that You send Us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You, and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate your complaint or question. If We decide to do this, We will credit your account within 10 business days for the amount You think is in error, so that You will have the use of the money during the time it takes Us to complete our investigation. If We ask You to put your complaint or question in writing and We do not receive it within 10 business days, We may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated Transactions, We may take up to 90 days to investigate your complaint or question. For new accounts, We may take up to 20 business days to credit your account for the amount You think is in error.

We will tell You the results within three business days after completing our investigation. If We decide that there was no error, We will send You a written explanation. You may ask for copies of documents used in our investigation.

It is our general policy to treat your account information as confidential. However, We will disclose information to third parties about your account or the transactions You make ONLY in the following situations:

Where it is necessary for completing transactions

Where it is necessary for activating additional services

In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller

There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by You. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. Please refer to the Pricing Schedule for Consumer and Business Deposit Accounts for more information.

In using the Service, You are requesting the Service to make payments for You from your Payment Account. There must be sufficient funds in your account on the Send On Date. If We are unable to complete the transaction for any reason associated with your Payment Account, the transaction will not be completed and You will receive an email notification.

This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to You if the change is materially adverse. Any use of the Service after the Service provides You a notice of adverse change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, You agree to receive all legally required notifications via electronic means.

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and e-mail addresses. Changes can be made either within the application or by contacting State Farm Bank. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if You do not provide accurate Payment Account or contact information.

In the event You wish to cancel the Service, You may have the ability to do so through the product, or You may contact customer service via one of the following:

Telephone Us at 877-SF4-BANK (877-734-2265); if You are deaf, hard of hearing, or do not use your voice to communicate, You may contact Us via 711 or other relay services during customer service hours.

Write us at:

State Farm Bank
PO Box 2316
Bloomington, IL 61702-2316

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to You at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

The Service reserves the right to refuse to pay any Biller to whom You may direct a payment. The Service will notify You promptly if it decides to refuse to pay a Biller designated by You. This notification is not required if You attempt to make a prohibited payment or an exception payment under this Agreement.

In using the Service, You understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from the Service.

Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, You agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, You agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

In the event of a dispute regarding the Service, You and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between You and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between You and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

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State Farm Bank, F.S.B., Bloomington, Illinois ("Bank"), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm Agent.

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